Transaction cryptogram

US11176547B2 · kind B2 · utility

Assignee

• MASTERCARD INTERNATIONAL INCORPORATED · US

Inventors

• Patrik Smets · Nijlen, BE
• Michael Ward · San Francisco, US
• David Anthony Roberts · Petworth, GB
• Jonathan James Main · Winchester, GB

Key dates

• Filing date: Feb 9, 2018
• Grant date: Nov 16, 2021
• Expiry date: Mar 6, 2040

Classification

• Technology area (CPC H): Electricity
• CPC primary: H04L2209/80
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

A method for generating transaction credentials for a user in a transaction, comprising: storing in a mobile device, an encrypted session key, and an encrypted user authentication credential; receiving an authorisation request; initiating a user authorisation process wherein in the event that the user is an authenticated user, the method comprises: decrypting the encrypted session key and encrypted user authentication credential; generating a transaction cryptogram in dependence on the user authentication credential and the session key; transmitting the transaction cryptogram and a user authentication status to a transaction processing entity for use in a transaction.